Like an 'anti-grace' period when you start your coverage and paying premiums and you start using the more costly provisions. Maybe a health insurance contract that first starts as covering you in preventative care, and then after a 6 month or 1 year period, the company can invite you to their full coverage plan.
Maybe its time to rethink the whole concept. Is it reasonable to cover everyone, regardless of their ability to pay? You mentioned illegals/deadbeats, how do we eliminate the incentive for these kinds of people?
Actually, what you’re suggesting sounds like some dental plans I’ve heard of.
Hmmmm...
Most illegals/deadbeats have SOME source of income - their assigned risk coverge ought to come out of whatever that is...of course, easier said than done, especially with the politicians using wearing your sister’s dentures as an excuse to wreck the insurance for millions and millions of us.